Tennessee law requires minimum auto insurance coverage, but the legal minimums often leave drivers dangerously underinsured. Here is what you need to know about coverage levels.
Tennessee Minimum Requirements
The state of Tennessee requires all drivers to carry at least:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $15,000 property damage per accident
Why Minimums Are Risky
A single trip to the emergency room can easily exceed $25,000. If you cause an accident that injures someone and their medical bills total $80,000, you would be personally responsible for $55,000 beyond your policy limit. That can lead to wage garnishment, asset seizure, or bankruptcy.
What We Recommend
At Vallie Insurance, we typically recommend at least 100/300/100 coverage ($100,000 per person, $300,000 per accident, $100,000 property damage) for most families. This provides meaningful protection without a dramatic premium increase.
Other Important Coverage
- Uninsured Motorist: Protects you if hit by someone with no insurance. About 20% of Tennessee drivers are uninsured.
- Underinsured Motorist: Covers the gap when the at-fault driver’s policy is not enough.
- Comprehensive and Collision: Pays to repair or replace your vehicle regardless of fault.
Get a Coverage Review
Not sure if your current coverage is adequate? We offer free annual policy reviews. Call Vallie Insurance to schedule yours.